We have various packages for you to choose from depending on you’re situation. Our minimum plan, we charge $125.00 per month with no contract that you can cancel anytime.

We help our clients investigate negative items, repair and dispute those negative items, and continue to work to make sure that if there are negative items affecting a client’s reports that those items are being reported fairly. We want to make sure that they are reporting 100% accurate and that the parties reporting these items to the credit bureaus are able to substantiate them. We start the repair process by generating a list of tough questions to both the credit bureaus and creditors reporting in order to make sure that they are in compliance with the statutes and limitations of the Fair Credit Reporting Act and the Fair Credit Billing Act. We then prepare a combination of letters for creditors and challenge those accounts with the bureaus to ensure fairness.

– Yes. Absolutely you can. Here are some common questions we have heard from clients who tried to do it themselves.

– Where do I start?

– What letters do I send?

– How do I write the letters?

– Who do I send them to? The creditors? The bureaus?

– What content needs to be in those letters?

– What if they just send me back a bunch of legal information and I don’t understand how to read the letter?

If you find yourself without answers to any of these questions, let us help. We have a proven method that works and we hold the creditors and bureaus responsible for reporting the right information in a timely and accurate fashion.

How do you do that you may ask?

There are 3 standards that any company who reports information to the bureaus must comply with:

1.) The information must have been reported fairly.

2.) The information must be reported accurately.

3.) The information must be substantiated in full detail.

Federal consumer laws protect all U.S. citizens against information not being in compliance with one of those 3 standards.

Yes, credit repair is legal and it works because of the law. The law is the Fair Credit Reporting Act, which was set up by the FTC to protect consumers against negative items being reported on your credit reports falsely. The FCRA gives you the right to dispute any item on a credit report. If that item cannot be verified it must be removed. Even the small inaccuracies on your credit report can lower your score significantly.

Your payment history is the most important aspect of your credit score, because it shows how you’ve managed your finances, including any late payments. Your credit history is also very important, as it demonstrates how long you’ve been managing your accounts, when your last payments were made, and any recent charges. Below is a chart from myFICO.com that gives you a breakdown:

Checking your own credit report won’t hurt your scores. Credit inquiries are defined as either hard or soft inquiries which are only performed by lenders providing you with funding. Reviewing your own credit report is considered a soft inquiry, and soft inquiries don’t hurt your scores. Checking your credit report at least once a year allows you to identify any mistakes and correct any inaccuracies that are showing.

That all depends on what you are applying for. Car loans usually check with your local/regional bureau. If you are in the Southeast for example they may only verify with Equifax. For Mortgages the banks will check all three. For credit cards it may vary, some credit card companies only use one bureau. That is why it’s important to fix all of your credit reports. You might as well work on all three at the same time because if you only repair 1 and not the other 2 you will always be looking for a lender who only uses 1 and not the other 2… Which can definitely be annoying and a hassle.

Every client differs. We have found that the method we use to challenge the innacuracies on our client’s reports tends to yield positive results which in turn is very satisfactory to our client’s. No company can guarantee results, but if they do be leary. We work extremely hard to identify the errors and uphold the creditor(s) liable to fix these errors.

There are only so many items that can be disputed on a credit report. A credit report is comprised of:
Personal Information
Public Records
Credit Inquiries
Account History (Collections, Charge-Offs, Late Payments, Open Accounts, Installment Accounts)
Any of these items can be disputed if they are reporting inaccurately. You have rights by the FCRA that prohibit any information reporting inaccurately to be removed from your credit file.

It would be a disservice to you and to us to set a strict timeframe on the repair process. Just like a social security number every individual has their own credit scores and factors that got them to where they are today. We can’t predict a timetable or ever guarantee results. We can promise however that the work we outline at our initial consultation will be completed each month with updates being made to be view by the client on their own client portal monthly. We believe that our track record speaks for itself with no customer service complaints, full compliance, surety bond registered, and proven outcomes from real past clients. Our customer service goes above and beyond the goal of the client to do everything we promised we would.

There are many different types of credit scoring models. Credit Karma is an independent website that gives members free access to their Vantage 3.0 scoring model. FICO is the main one that many lenders use in the process of deciding whether or not you will be approved for a loan. There isn’t one scoring model that is considered better than the rest, but we have found that Smart Credit gives the closest match to a true FICO score.

As a client with Approved Cred you have a couple of different options when it comes to getting responses back to us. Most of our clients find that because your Smart Credit account updates monthly we are able to go into Smart Credit and import your most recent credit report. We compare the 2 reports to validate what has come off each month. The other option that you have is to take a picture of only pages 1 and 2 from each bureau and send us a text message to 561-725-3820. This is a secure line that receives picture messages for client reporting updates.

We know that during this process usually most clients are not too concerned with their credit reports, but this is one of those situations where you should be. The reason is because often time many clients have items slip through the cracks and stay on the reports longer than they should. We make sure that these items are reporting correctly so that once your bankruptcy is finalized the waiting period isn’t delayed at all.

There are only certain types of negative reporting items that may not cause an issue when applying for a mortgage. The only items that you can dispute as inaccurate reporting are: Incorrect Personal Information and Incorrect Inquiries. If you are looking to get a mortgage you may want to hold off on disputing other items because lenders don’t like to see disputed accounts because it shows a potential for future liabilities that may impact your ability to repay the mortgage. Therefore, disputed accounts must be removed from the dispute status before you can close the deal with the home sale. Being that this is such a large commitment you may want to talk with your mortgage broker and see how much of an impact these items will hurt you before risking an issue with closing on your home.

Bad credit can affect you in many facets of life outside of just the regular credit card applications and so forth. For example a bad credit score can cost you thousands of dollars more per year on your car insurance. Another example where your credit profile is scrutinized is when you are applying for a new job. When an employer checks your report unlike many financial institutions that look at your credit scores, employers actually never see your scores. A potential employer gets a specific type of report that only details information such as public records and potential impacts as a company. They are looking for negative indications in the report to protect themselves for the future.

We don’t share any of your information with anyone without your consent. This private information is in-house only as we do not outsource our disputing process like many credit repair companies do. We do have many affiliate partners in the automotive and mortgage industry, but we don’t provide them with any of your information unless you request for it to be shared.

We have a formula in place that get our clients strong results by disputing any inaccuracies in a max of 2 rounds. We don’t believe in prolonging the process and having our clients continue to pay endlessly by only disputing 5 items per round like many companies do. We want our clients to get results as soon as possible to accomplish their goals.

The credit bureaus legally have a 30 day window to process disputes. We have an expedited process because we send each round via fax and by mail. Most of our clients like this because by fax we tend to get results back in a faster manner. If the results come by mail you should expect a 5-10 day window for mailing from the bureaus. This usually puts you at a window of 30-40 days per round.